What Is Social Security Disability Insurance (SSDI)? Am I Eligible?

by | Nov 22, 2023 | Social Security Disability |

Social Security Disability Insurance (SSDI) offers critical support to those struggling with disabilities. SSDI provides financial assistance to those unable to engage in substantial gainful activity due to a medical condition.

In this blog, we’ll cover the basics of SSDI, including its purpose, eligibility criteria, and the empowering role it plays for individuals facing disabilities.

What is SSDI?

SSDI is a federal program administered by the Social Security Administration (SSA). This insurance program acts as a safety net, designed to provide financial assistance to individuals with disabilities who are unable to work due to a severe medical impairment.

What are the benefits of SSDI?

SSDI serves as a lifeline for those facing disabilities. These benefits are a reliable source of income, helping individuals with disabilities cover essential living expenses, medical costs, and other necessities.

Eligibility for SSDI often comes with Medicare coverage, offering vital access to healthcare services and ensuring that individuals can address their medical needs without financial strain. For instance, SSDI recipients may access rehabilitation and vocational services aimed at enhancing their skills and abilities, facilitating a smoother transition back into the workforce if their condition improves.

Knowing that there is a safety net like SSDI in place gives peace of mind to disabled individuals and their families, fostering a sense of security despite their challenging circumstances.

Who is eligible for SSDI benefits?

The road to SSDI eligibility involves meeting specific criteria that the SSA has established. While each case is unique, applicants must meet these general requirements to qualify for disability benefits:

  • Work credits: You must have earned sufficient work credits through your employment history. Work credits are earned based on the amount of income subject to Social Security taxes.
  • Medical eligibility: Your disability must be anticipated to last for at least 12 months or result in death. It must also significantly limit your ability to do basic work-related activities, such as lifting, standing, walking, sitting, or remembering. The SSA maintains a comprehensive list of qualifying medical conditions, ranging from musculoskeletal disorders to respiratory and skin disorders, and you must provide medical evidence supporting your claim.
  • Substantial gainful activity (SGA): You must not be engaged in substantial gainful activity (SGA). SGA is work that involves significant physical or mental activities and earns a certain income level. The 2024 SGA amount is $2,590 for blind people and $1,550 for all others who qualify for disability benefits. This number is reviewed and adjusted annually.
  • Age: Disability benefits are typically available to individuals aged 18 and older. Younger individuals with disabilities may qualify for benefits under the Supplemental Security Income (SSI) program.

Where to get help applying for SSDI

As a disability law firm, we are dedicated to guiding our clients through the complex process of applying for SSDI benefits and appealing denials. Our goal is to advocate for your rights and ensure you receive the support you need to lead a fulfilling life despite any challenges you may face.

If you or a loved one are considering applying for SSDI, we are here to help you navigate this important journey toward financial stability and empowerment. Get in touch with our lawyers in Richmond, Charlotte, or Montgomery today.

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